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Online home insurance quotes with expert advice

Homeowners insurance offers financial protection for one of life’s biggest purchases: your home. Policygenius makes it simple to find the best home insurance policy for you to ensure your home, belongings, and assets are fully covered. 

Why go through the hassle of visiting dozens of insurance companies when you can see online quotes from Progressive, Allstate, Travelers, and more, all in one place?

Apply online, compare quotes, and talk to a licensed agent if you need advice. Once you’ve found a policy you’re interested in, we’ll even fill out the paperwork for you. 

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Hassle-free home insurance that protects what’s important

Homeowners insurance is made up of a few different types of coverage that pays for damage to your house (from things like fire or hail), loss or damage to your personal belongings, and even legal and medical bills if you’re held liable for an accident.

All of these add up to a policy that covers you no matter the circumstances.

Our licensed experts at Policygenius will find coverage similar to your existing home insurance policy (if you have one), or recommend typical coverage for homes similar to yours. That way you can feel confident that you have the right amount of coverage and won’t be at risk of being underinsured.

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Expert advice for choosing the right coverage

“Your dwelling coverage amount should equal your home's replacement cost — not the purchase price or market value. Policygenius can calculate this for you and make sure your quotes are based on the right amount of coverage.”

Pat Howard, Licensed Insurance Expert

Need extra protection in case you have a dog or live somewhere prone to earthquakes? We’ll help tailor a policy that fits your needs.

→ Skip ahead to read more about homeowners insurance

We’ve saved customers an average of 30% on their home insurance policies

How do we manage that? Your homeowners insurance cost depends on a few things, like where you live, the coverage you need — and the company you choose.

When you apply through Policygenius, we get all the details needed to give you an accurate quote. And as an insurance marketplace, we partner with top homeowners insurance companies. That means you get the policy you need at the price you want.

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Average annual premium:

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Estimate your home insurance cost

Select your state to see the average homeowners insurance rate

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Policygenius gets you homeowners insurance at your pace

Whether you’re closing on a new home, reshopping your existing coverage, or just getting started, it’s never too late — or too early — to start looking for your next home insurance policy.

All you need to do is provide a few answers about:

Where you live

Answer a couple of simple questions, like what your address is and how many bedrooms you have.

Your home's structure

Don't know your roof style or foundation type? No worries. We'll help you fill in the details.

Yourself

A quick check on things like your date of birth and marital status to get the ball rolling and tailor your quotes.

Not sure of an answer? We’ve got experts standing by to help you every step of the way.

Once you’ve applied, we’ll send tailored policy quotes and help you choose the best one. It’s free to get quotes, and there’s no obligation to buy.

Join our millions of happy shoppers

★★★★★

“Policygenius got me a great rate for my new homeowner's insurance. Policygenius paid attention to all the details of the exclusions I was eligible for [...] Also, they were responsive in communications, and they took care of all the details I needed such as additional insureds. I also used Policygenius for my life insurance and disability insurance, highly recommend them.”

Matthew, home insurance customer

→ Skip ahead to read about how to get a homeowners insurance quote

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What does a homeowners insurance policy cover?

A homeowners insurance policy covers damage to your home and personal belongings in the event of theft, vandalism, severe weather, or another covered loss. It even protects all of your assets — like investments, cars, boats, and anything else of value that you own — in case you’re sued due to damage or injury that occurs at your house. 

→ Learn more about how home insurance works

Here’s a more detailed look at the different coverages included in every homeowners insurance policy purchased through Policygenius and what each protects you against.

Home

Dwelling coverage

Pays for damage to the structure of your home, like your roof or attached garage

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Other structures coverage

Pays for damage to structures that aren’t attached to your home, like a shed or fence

Renters

Personal property coverage

Pays for damaged or stolen personal belongings, like if your furniture is damaged

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Additional living expense coverage

Pays for hotels, meals, and transportation while your home is being repaired

Disability

Personal liability coverage

Pays for legal expenses if you’re responsible for injuries or property damage

Health

Medical payments coverage

Pays for medical bills if someone is injured on your property

→ Learn more about what homeowners insurance covers

What’s not covered by homeowners insurance?

Most standard homeowners insurance policies do not cover damage to your home or belongings that’s caused by any of the following insurance exclusions:

  • Flooding

  • Earthquakes

  • Volcanoes

  • Landslides, mudslides, or sinkholes

  • Local building ordinance or law requiring you to bring your home up to code

  • Power surges or outages

  • Neglect or maintenance issues

  • War

  • Nuclear hazard

  • Intentional loss caused by you or another resident family member 

  • Government action

  • Dog bite liability for certain dog breeds

  • Home businesses

  • Pest or rodent damage and removal

Depending on the insurance company, you might be able to add on coverage for some of these things — like flooding or earthquakes — by purchasing a special endorsement to be added to your main home insurance policy. 

Otherwise, you’d have to take out a separate flood or earthquake insurance policy with another company to ensure you’re protected. A licensed Policygenius agent can do either of these things for you.

→ Learn more about what is not covered by homeowners insurance

How much does home insurance cost?

The average cost of homeowners insurance is $1,899 per year or $158 per month, according to a 2022 Policygenius analysis of sample rates provided by Quadrant Information Services.

The amount of coverage you have in your policy is the biggest factor in determining how much you pay for home insurance. Higher limits of liability or dwelling coverage, extended protection for your home and belongings, and additional coverage endorsements can all mean higher rates.

Here’s a look at the average annual rates for different levels of dwelling coverage:

Coverage amountAverage annual cost
$100,000$946
$200,000$1,442
$300,000$1,899
$400,000$2,481
$500,000$3,006

Location also plays a huge role in home insurance rates. If the area where you live experiences frequent tornadoes or hurricanes, you’ll probably pay more for your policy.

Home insurance rates by state

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StateAverage annual costAverage monthly cost
Alabama$2,063$172
Alaska$1,446$120
Arizona$1,897$158
Arkansas$3,391$283
California$1,565$130
Colorado$2,496$208
Connecticut$1,571$131
Delaware$980$82
District of Columbia$1,154$96
Florida$2,643$220
Georgia$1,988$166
Hawaii$486$40
Idaho$1,363$114
Illinois$2,053$171
Indiana$2,045$170
Iowa$1,830$153
Kansas$3,159$263
Kentucky$2,705$225
Louisiana$2,719$227
Maine$1,103$92
Maryland$1,733$144
Massachusetts$1,382$115
Michigan$1,712$143
Minnesota$1,966$164
Mississippi$2,919$243
Missouri$2,876$240
Montana$2,778$231
Nebraska$4,567$381
Nevada$1,239$103
New Hampshire$974$81
New Jersey$926$77
New Mexico$1,792$149
New York$1,186$99
North Carolina$1,678$140
North Dakota$1,908$159
Ohio$1,586$132
Oklahoma$4,331$361
Oregon$943$79
Pennsylvania$1,303$109
Rhode Island$1,470$122
South Carolina$1,793$149
South Dakota$2,426$202
Tennessee$2,526$211
Texas$3,080$257
Utah$949$79
Vermont$1,046$87
Virginia$1,516$126
Washington$1,280$107
West Virginia$1,499$125
Wisconsin$1,211$101
Wyoming$1,599$133

Even homeowners in the same city can see largely different rates based on what ZIP code they live in and its crime rate, claims history, and wildfire risk.

Home insurance rates by city

Expand

CityAverage annual rateAverage monthly rate
Albany$1,025$85
Atlanta$2,051$171
Austin$2,196$183
Charlotte$1,605$134
Colorado Springs$3,104$259
Columbus$1,523$127
Dallas$3,559$297
Denver$3,104$259
Houston$3,143$262
Indianapolis$2,146$179
Kansas City$3,209$267
Los Angeles$2,021$168
Memphis$3,191$266
Milwaukee$1,302$109
Nashville$2,326$194
New York City$1,769$147
Philadelphia$1,992$166
Sacramento$1,401$117
San Antonio$2,365$197
San Diego$1,333$111
San Francisco$1,533$128
Savannah$2,210$184
Seattle$1,195$100
St. Louis$2,871$239

Two other factors that can influence the rates you’re quoted through Policygenius are your credit score and claims history. Homeowners with lower credit scores will see higher rates. And if you filed multiple insurance claims in the past or your home has a history of structural damage, your insurance rates will likely be higher.

→ Learn more about homeowners insurance costs

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Ways to get discounts on homeowners insurance

Homeowners insurance discounts vary by company, though here are a few of the most popular ways to save when you purchase a policy through Policygenius:

  • Home and auto bundling discount. Policygenius customers saved an average of $1,250 per year by reshopping their home and auto insurance.

  • Paid in full discount. Get rewarded for paying a year’s worth of insurance premiums up front.

  • Claims-free discount. Shave money off your premiums if you’ve gone so many years without filing a homeowners insurance claim.

  • HOA discount. Some insurers reward homeowners simply for living in a community with a homeowners association.

  • Loyalty discount. Stick with the same insurance company for five or more years, and most insurers will give you a discount for your loyalty.

  • Military or other affiliation discount. Homeowners who are veterans, military members, or work in a certain profession (like teachers or civil servants) might be able to snag a discount. 

  • Retiree discount. Many insurance companies offer retired homeowners a discount on premiums.

  • New home construction discount. Moving into a brand spankin’ new home? You might earn a discount for that.

  • Protective devices discount. Installing fire alarms, security monitoring, and fire sprinkler systems can help lower your cost of home insurance.

  • Fortified home discount. Adding storm-proof roof shingles, hurricane shutters, or other impact-resistant features to your home can help you score a sizable discount.

  • Smart home discount. High-tech features like smart locks, water leak sensors, and gas leak sensors may mean lower premiums.

  • No-mortgage discount. Paid off your home? Congrats! You also might score a discount for that.

→ Learn more about homeowners insurance discounts

Agent

How to get a homeowners insurance quote

Ready to get covered? Let Policygenius do the heavy lifting for you. Apply online to get connected to a licensed expert to buy your policy. Here are the steps you’ll take: 

  1. Gather information about you and your home. This includes everything from when your home was built and any recent updates made to what type of roof and exterior walls you have. 

  2. Nail down your coverage limits. You’ll want to make sure your policy limits are high enough to pay for a full rebuild of your home, and that the deductible works with your budget. Not sure how much coverage you need? Policygenius will recommend an amount when you apply.

  3. Consider bundling your home and auto policies. Most insurance companies offer a special discount for bundling your home and auto policies. Policygenius has saved shoppers an average of 35% per year on their home and auto insurance compared to their previous policies.

  4. Get free quotes through Policygenius. One of our experts will help you compare policies and discounts across companies to find the right coverage at the right price. 

  5. Choose a policy and finalize the details. You’re finally there! Once all the boxes are checked, you’ll sign on the dotted line, pay your first premium, and enjoy knowing that you and your stuff are covered. Oh, and the best part? Policygenius will handle all of the paperwork for you — for free!

If you’re unsure about any of these steps, don’t sweat! A Policygenius agent will walk you through each to help you find the best coverage limits, add-ons, and discounts for your needs.

If you’re unsure about any of these steps, don’t sweat. A Policygenius agent will walk you through each to help you find the best coverage limits, add-ons, and discounts for your needs.

→ Learn more about how to buy home insurance

Where can I find all of this information for my quote?

You should be able to find most of these details listed on your old home insurance policy’s declarations page. Or if you’re purchasing a new home, reach out to your contractor, developer, county clerk, or the original owners for the home’s blueprints. And don’t worry if you’re missing some of these details — a Policygenius agent can still give you a quote.

Choosing the best home insurance company

There’s a lot that goes into choosing a home insurance company. Our Policygenius rating scores companies on everything from cost to coverage options to claims satisfaction, so you can see how your options stack up.

CompanyPolicygenius ratingAverage annual cost
Allstate4.6 out of 5 stars$1,596
Farmers4.4 out of 5 stars$1,874
Plymouth Rock4.3 out of 5 stars$1,022
Acuity3.9 out of 5 stars$2,058
Hippo3.9 out of 5 stars$1,499
Travelers3.9 out of 5 stars$3,638
GEICO3.7 out of 5 stars$1,270
State Farm3.7 out of 5 stars$2,039
USAA3.7 out of 5 stars$1,432
Progressive3.5 out of 5 stars$2,618

→ Learn more about the best home insurance companies

Average savings of 30% per year on home insurance: Savings are determined by calculating the average difference between the lowest and second lowest home insurance policy estimates provided to shoppers with two or more estimates between 06/01/2020 and 05/18/2021. Potential savings are based on a composite of multiple different contracts and insurers. Not all policies in this calculation are available in all states, and availability may be based on eligibility. Savings may vary by policy amount and location.

Average home insurance cost: Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Frequently asked questions

What is a home insurance quote?

A home insurance quote is an estimate of how much you’ll pay for a policy based on details about your home, credit score, claims history, and coverage limits. All insurance companies have their own way of calculating quotes, so premium estimates can vary widely across insurers.

Which insurance company is best for homeowners?

There’s no one-size-fits-all home insurance company for anyone. You’ll want to find a company that offers policies in your state, and compare quotes to choose the one that offers the coverage you need at the most affordable cost. Look for companies that offer discounts, like money off for bundling your home and auto insurance.

How do I know how much home insurance I need?

Homeowners insurance coverage needs vary from homeowner to homeowner. In general, your coverage amounts should be high enough to cover your home’s rebuild cost (meaning the cost to rebuild it completely if it were destroyed), the monetary value of your personal belongings, and your combined assets. If you need flood or earthquake coverage, you’ll need to buy those separately.

Are there different homeowners insurance requirements by state?

No, homeowners insurance is not required by law in any state. However, most lenders will require proof of home insurance before you can close on a property.

Find your home insurance quotes with Policygenius

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